I'm Lucy, and I'd be happy to answer your questions today. I'm sorry to hear that this happened.
Judgment on the Pleadings means that, since you did not dispute owning the debt in your response, there is no need to have a trial. The purpose of trial is for the judge to determine the facts - meaning, whether you really owe the money or not. If you admitted that you owe the money but are trying to reach a resolution, the judge can enter a judgment against you without needing to hear any evidence.
When a judge enters a judgment against you, it's payable "forwith," which essentially means "as soon as possible." Now, as a practical matter, if you don't have the money lying around, they're still going to have to accept that money over a period of time. They can use the judgment to levy your bank account and take out money in there, and they can use it to put a lien on your house, though, so if you have enough equity to pay the judgment, you may want to look into a home equity loan or line of credit. But the judge can't force you to produce money you don't have.
Now, you said that motion's being filed tomorrow. So you still have today to try to see if the creditor is willing to try to work out a resolution with you rather than spending the money to go to court and try to collect. But if they file the motion, the judge will enter judgment against you. The creditor is not required to refrain from trying to collect while you're in a debt relief program, unless you'd filed for bankruptcy (which means there would be an immediate stay on proceedings).
If you have any questions or concerns about my response, please reply WITHOUT RATING. It's important that you are 100% satisfied with my courtesy and professionalism. Otherwise, please rate my service positively so I am paid for the time I spend answering questions. If you are on a mobile device, you may need to scroll to the right. There is no charge for follow-up questions. Thank you.